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Established Contributor
YahComb
Posts: 599
Registered: ‎03-10-2012
0

Surprised-BOA luv button instant CLI

[ Edited ]

Hey all

 

Just hit the luv button, doubled my credit limit from 3K to 6K. Pulled Transunion as usual. Thought i would get the "please call for an instant decision" and end up with a 4K to 5K limit overall. Especially since i last asked for an increase on july 7th(1.2K to 3K), so it hasn't even been 4 months, and i have a couple new accounts under 3 months old.

 

 This is actually my third CLI from them in 6.5 months, the first one was in April when the card was still secured from 600 to 1.2K. So i guess this wait 6 months thing with them is definitely not a hard and fast rule. I definitely won't be trying to double up again anytime soon though, my income is still in the 30K's.

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Established Contributor
flowfaster
Posts: 787
Registered: ‎08-30-2011
0

Re: Surprised-BOA luv button instant CLI

Congrats.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Surprised-BOA luv button instant CLI

Congrats on the CLI.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
New Contributor
HiHiHiHiHiHi
Posts: 63
Registered: ‎07-21-2012
0

Re: Surprised-BOA luv button instant CLI

Congratz

Scores: EQ-798 EX-802 TU-786

CC: |Amex PRG - NPSL| |Citi Simplicity - 22.6K| |CapOne No Hassle Rewards - 20K| |Chase Freedom 17.5K| |CSP 15K| |Discover IT - 7.8K| |Discover More - 6.1K| |GE PC Richard - 4.5K| |Amex Delta Gold - 3.5K| |Citi Goodyear - 2.5K| |CapOne Kohls - 1.5K| |GAP - 1.5K| |Macy's Amex - 1K| |Ann Taylor - 0.5K| |NY&C - 0.5K|
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: Surprised-BOA luv button instant CLI

Congrats!



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
0

Re: Surprised-BOA luv button instant CLI

That's nice, surprised they pulled TU. They always pull EX for me.




Established Contributor
YahComb
Posts: 599
Registered: ‎03-10-2012
0

Re: Surprised-BOA luv button instant CLI

they pulled EXP on application. all three cli's have been TU

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
New Contributor
Aspireto850
Posts: 109
Registered: ‎08-12-2012
0

Re: Surprised-BOA luv button instant CLI

Nice job...congrats.

 

I have a card with them that was opened in August and I want some luv!!! Where did you find the so called 'luv button'??????


Current: 12/6/12 708 Exp Fico
Goal Score: 740then Garden
Regular Contributor
Bay_Area_Joe
Posts: 244
Registered: ‎10-05-2012
0

Re: Surprised-BOA luv button instant CLI

on 10-27 they pulled TU for my CLI, went from 2k to 8.3k.  Took a hard pull though.  My TU only had two INQ anyway.

 

I will take it, I asked for 6.3k, wished I asked for more, if i would have known they would HP.

 

Not bad since account was open 4-2012.  I guess I could recon for more, any thoughts ?

 

Thanks

 

$ 197,650 IN TOTAL CREDIT LINES.
MyFICO EQ 777 on 9/3/13 , MyFICO TU 787 on 9/3/13, MyFico EX Score 771 on 8/27/13
Pen Fed Visa 19k, Pen Fed LOC 20k, Citi Hilton Honors 15k, Chase Sapphire Preferred 19.9k, Citi MC Diamond Preferred 12.2k, Chase Marriott PR Sig Visa 12k, Chase Priority 5k, Sams Discover 20k, Amex Hilton Surpass 2k, BofA Hawaii 5k
Discover More 16.25k, Chase Southwest Visa 3.5k, Wells Fargo LOC 10k,
B of A Visa 20k, Wells Plat Visa 6.7k RC Willey 5k Discover IT 4k AMEX TE 2k
Established Contributor
YahComb
Posts: 599
Registered: ‎03-10-2012
0

Re: Surprised-BOA luv button instant CLI

why ask for a weird increasae like 6.3K? I asked for a 3K increase figuring id get 1-2K. youve got 3 cards over 10K, why not try at least 9500 instead of 8300?

It's possible now that is been done theyll want to HP you again if you ask for more. Woudn't hurt to try a recon, but make to ask if its going to be another HP. if so, eject!

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs

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